Ruoff Mortgage Company Mortgage Lending & HMDA Data, 2025

In 2025, Ruoff Mortgage Company of Fort Wayne, IN reported 13,314 mortgage applications totaling $3.0 billion, down 16% from 2024. The average application was for $222,330, and applicants reported an average income of $100,888. 75% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Indianapolis-Carmel-Anderson, IN (1,862), Fort Wayne, IN (1,368) and Cleveland, OH (780) (applications in parentheses).

Mortgage Company & Address Ruoff Mortgage Company
1700 Magnavox Way Suite 220
Fort Wayne, IN 46804
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  
Total Number of Mortgage Applications 13,314
Total Mortgage Loan Application Amount $2,960,110,000
Average Mortgage Loan Application Amount $222,330
Highest Mortgage Loan Application Amount $3,255,000
Average Applicant Income $100,888
Highest Applicant Income $6,388,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ruoff Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Ruoff Mortgage Company by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Allen, Indiana 1,166 $ 264,800,000 $ 227,101 $ 107,000
Marion, Indiana 632 $ 145,990,000 $ 230,996 $ 105,000
St. Joseph, Indiana 542 $ 104,540,000 $ 192,878 $ 87,000
Elkhart, Indiana 382 $ 78,930,000 $ 206,623 $ 85,000
Cuyahoga, Ohio 348 $ 72,270,000 $ 207,672 $ 113,000
Monroe, Indiana 330 $ 94,020,000 $ 284,909 $ 139,000
Hamilton, Indiana 312 $ 115,750,000 $ 370,993 $ 168,000
Delaware, Indiana 292 $ 53,470,000 $ 183,116 $ 85,000
Franklin, Ohio 289 $ 73,605,000 $ 254,688 $ 113,000
Kosciusko, Indiana 277 $ 57,835,000 $ 208,790 $ 96,000
Grant, Indiana 271 $ 43,325,000 $ 159,870 $ 76,000
Summit, Ohio 249 $ 53,975,000 $ 216,767 $ 110,000
Madison, Indiana 247 $ 43,485,000 $ 176,052 $ 84,000
Vigo, Indiana 239 $ 42,755,000 $ 178,891 $ 94,000
Hendricks, Indiana 237 $ 66,035,000 $ 278,628 $ 111,000
Howard, Indiana 208 $ 33,740,000 $ 162,211 $ 91,000
Tippecanoe, Indiana 208 $ 54,580,000 $ 262,403 $ 124,000
Lorain, Ohio 205 $ 43,945,000 $ 214,365 $ 99,000
Jackson, Michigan 184 $ 33,230,000 $ 180,597 $ 80,000
Hamilton, Ohio 173 $ 44,145,000 $ 255,173 $ 123,000
Lake, Indiana 163 $ 39,935,000 $ 245,000 $ 96,000
DeKalb, Indiana 152 $ 35,470,000 $ 233,355 $ 106,000
Johnson, Indiana 142 $ 41,010,000 $ 288,802 $ 117,000
Wayne, Michigan 128 $ 22,150,000 $ 173,046 $ 80,000
Medina, Ohio 122 $ 36,760,000 $ 301,311 $ 122,000
Wabash, Indiana 121 $ 18,045,000 $ 149,132 $ 86,000
Huntington, Indiana 118 $ 24,060,000 $ 203,898 $ 83,000
Whitley, Indiana 118 $ 24,900,000 $ 211,016 $ 81,000
Warren, Ohio 116 $ 37,650,000 $ 324,568 $ 129,000
Lawrence, Indiana 114 $ 23,010,000 $ 201,842 $ 89,000
Berrien, Michigan 114 $ 20,540,000 $ 180,175 $ 83,000
Butler, Ohio 114 $ 32,290,000 $ 283,245 $ 124,000
Clinton, Indiana 110 $ 21,220,000 $ 192,909 $ 76,000
St. Joseph, Michigan 110 $ 19,870,000 $ 180,636 $ 86,000
Cass, Indiana 108 $ 16,250,000 $ 150,462 $ 69,000
Bartholomew, Indiana 107 $ 23,545,000 $ 220,046 $ 98,000
Henry, Indiana 107 $ 20,015,000 $ 187,056 $ 80,000
Steuben, Indiana 105 $ 23,045,000 $ 219,476 $ 93,000
Putnam, Indiana 100 $ 22,730,000 $ 227,300 $ 88,000
Marshall, Indiana 95 $ 20,395,000 $ 214,684 $ 88,000
Cass, Michigan 94 $ 20,110,000 $ 213,936 $ 85,000
Hancock, Indiana 87 $ 24,215,000 $ 278,333 $ 106,000
Noble, Indiana 85 $ 15,795,000 $ 185,823 $ 82,000
Wells, Indiana 84 $ 16,940,000 $ 201,666 $ 85,000
Miami, Indiana 83 $ 13,955,000 $ 168,132 $ 72,000
Adams, Indiana 82 $ 14,190,000 $ 173,048 $ 73,000
Greene, Indiana 71 $ 13,365,000 $ 188,239 $ 86,000
Morgan, Indiana 71 $ 19,815,000 $ 279,084 $ 119,000
Lake, Ohio 70 $ 14,040,000 $ 200,571 $ 104,000
Starke, Indiana 69 $ 11,405,000 $ 165,289 $ 69,000
LaPorte, Indiana 65 $ 13,525,000 $ 208,076 $ 98,000
Montgomery, Ohio 61 $ 13,405,000 $ 219,754 $ 107,000
Owen, Indiana 60 $ 12,040,000 $ 200,666 $ 77,000
Clark, Indiana 56 $ 13,120,000 $ 234,285 $ 95,000
Clay, Indiana 55 $ 9,055,000 $ 164,636 $ 72,000
Boone, Indiana 54 $ 20,710,000 $ 383,518 $ 178,000
Montgomery, Indiana 54 $ 9,410,000 $ 174,259 $ 91,000
Sullivan, Indiana 53 $ 7,875,000 $ 148,584 $ 67,000
Fayette, Kentucky 53 $ 13,925,000 $ 262,735 $ 122,000
Fairfield, Ohio 53 $ 14,545,000 $ 274,433 $ 94,000
Lucas, Ohio 53 $ 10,805,000 $ 203,867 $ 96,000
LaGrange, Indiana 51 $ 11,405,000 $ 223,627 $ 108,000
Portage, Ohio 48 $ 11,900,000 $ 247,916 $ 116,000
Jefferson, Indiana 46 $ 10,280,000 $ 223,478 $ 98,000
Porter, Indiana 45 $ 11,085,000 $ 246,333 $ 109,000
Clermont, Ohio 43 $ 11,225,000 $ 261,046 $ 124,000
Decatur, Indiana 42 $ 8,980,000 $ 213,809 $ 93,000
Licking, Ohio 41 $ 12,135,000 $ 295,975 $ 131,000
Knox, Ohio 40 $ 9,340,000 $ 233,500 $ 85,000
Stark, Ohio 40 $ 9,110,000 $ 227,750 $ 111,000
Fulton, Indiana 39 $ 6,145,000 $ 157,564 $ 66,000
Branch, Michigan 39 $ 7,355,000 $ 188,589 $ 101,000
Delaware, Ohio 39 $ 15,745,000 $ 403,717 $ 153,000
Carroll, Indiana 38 $ 9,150,000 $ 240,789 $ 106,000
Washtenaw, Michigan 38 $ 9,940,000 $ 261,578 $ 160,000
Oakland, Michigan 36 $ 9,900,000 $ 275,000 $ 117,000
Macomb, Michigan 35 $ 8,145,000 $ 232,714 $ 104,000
Knox, Indiana 34 $ 4,890,000 $ 143,823 $ 68,000
Shelby, Indiana 33 $ 7,635,000 $ 231,363 $ 87,000
Jackson, Indiana 32 $ 7,040,000 $ 220,000 $ 81,000
Muskegon, Michigan 32 $ 6,490,000 $ 202,812 $ 128,000
Pickaway, Ohio 32 $ 7,950,000 $ 248,437 $ 102,000
Blackford, Indiana 31 $ 3,365,000 $ 108,548 $ 60,000
Parke, Indiana 30 $ 6,940,000 $ 231,333 $ 102,000
Tipton, Indiana 30 $ 6,560,000 $ 218,666 $ 94,000
Calhoun, Michigan 30 $ 5,040,000 $ 168,000 $ 79,000
Ottawa, Michigan 30 $ 10,240,000 $ 341,333 $ 139,000
Vermillion, Indiana 25 $ 3,595,000 $ 143,800 $ 97,000
Wayne, Indiana 25 $ 4,115,000 $ 164,600 $ 73,000
Jefferson, Kentucky 25 $ 5,905,000 $ 236,200 $ 118,000
White, Indiana 24 $ 4,930,000 $ 205,416 $ 92,000
Monroe, Michigan 24 $ 5,470,000 $ 227,916 $ 107,000
Floyd, Indiana 23 $ 5,945,000 $ 258,478 $ 89,000
Randolph, Indiana 23 $ 3,415,000 $ 148,478 $ 85,000
Henderson, Kentucky 23 $ 4,835,000 $ 210,217 $ 97,000
Lenawee, Michigan 23 $ 4,205,000 $ 182,826 $ 73,000
Scott, Indiana 22 $ 3,700,000 $ 168,181 $ 74,000
Kent, Michigan 22 $ 6,700,000 $ 304,545 $ 130,000
Jay, Indiana 21 $ 3,115,000 $ 148,333 $ 66,000
Greene, Ohio 21 $ 6,695,000 $ 318,809 $ 148,000
Ashtabula, Ohio 20 $ 3,080,000 $ 154,000 $ 80,000
Muscogee, Georgia 19 $ 4,335,000 $ 228,157 $ 89,000
Benton, Indiana 19 $ 3,275,000 $ 172,368 $ 70,000
Wayne, Ohio 18 $ 3,780,000 $ 210,000 $ 94,000
Edgar, Illinois 17 $ 2,125,000 $ 125,000 $ 62,000
Brown, Indiana 17 $ 3,865,000 $ 227,352 $ 100,000
Kalamazoo, Michigan 17 $ 3,315,000 $ 195,000 $ 106,000
Muskingum, Ohio 17 $ 2,605,000 $ 153,235 $ 81,000
Clark, Illinois 16 $ 2,120,000 $ 132,500 $ 88,000
Richland, Illinois 16 $ 1,850,000 $ 115,625 $ 63,000
Fountain, Indiana 15 $ 2,805,000 $ 187,000 $ 88,000
Jasper, Indiana 15 $ 3,665,000 $ 244,333 $ 119,000
Jennings, Indiana 15 $ 2,675,000 $ 178,333 $ 81,000
Geauga, Ohio 15 $ 4,435,000 $ 295,666 $ 147,000
Marion, Ohio 15 $ 3,395,000 $ 226,333 $ 83,000
Crawford, Illinois 14 $ 1,640,000 $ 117,142 $ 55,000
Harrison, Indiana 14 $ 3,010,000 $ 215,000 $ 83,000
Orange, Indiana 14 $ 1,960,000 $ 140,000 $ 78,000
Pulaski, Indiana 14 $ 2,680,000 $ 191,428 $ 79,000
Washington, Indiana 14 $ 3,670,000 $ 262,142 $ 93,000
Ingham, Michigan 14 $ 2,490,000 $ 177,857 $ 76,000
Madison, Ohio 14 $ 3,210,000 $ 229,285 $ 92,000
Lee, Alabama 13 $ 4,245,000 $ 326,538 $ 121,000
Ripley, Indiana 13 $ 3,295,000 $ 253,461 $ 107,000
Wood, Ohio 13 $ 3,195,000 $ 245,769 $ 119,000
Switzerland, Indiana 12 $ 2,310,000 $ 192,500 $ 98,000
Jessamine, Kentucky 12 $ 6,460,000 $ 538,333 $ 176,000
Hillsdale, Michigan 12 $ 2,540,000 $ 211,666 $ 139,000
Vermilion, Illinois 11 $ 1,355,000 $ 123,181 $ 71,000
Union, Ohio 11 $ 3,345,000 $ 304,090 $ 125,000
Russell, Alabama 10 $ 2,520,000 $ 252,000 $ 110,000
Kenton, Kentucky 10 $ 3,160,000 $ 316,000 $ 166,000
Livingston, Michigan 10 $ 4,690,000 $ 469,000 $ 148,000
Erie, Ohio 10 $ 1,880,000 $ 188,000 $ 101,000
Trumbull, Ohio 10 $ 1,740,000 $ 174,000 $ 91,000
Lee, Florida 9 $ 2,865,000 $ 318,333 $ 246,000
Daviess, Indiana 9 $ 1,555,000 $ 172,777 $ 97,000
Newton, Indiana 9 $ 1,525,000 $ 169,444 $ 74,000
Boone, Kentucky 9 $ 1,915,000 $ 212,777 $ 75,000
Boyle, Kentucky 9 $ 1,715,000 $ 190,555 $ 109,000
Scott, Kentucky 9 $ 2,595,000 $ 288,333 $ 145,000
Genesee, Michigan 9 $ 2,035,000 $ 226,111 $ 74,000
Defiance, Ohio 9 $ 1,275,000 $ 141,666 $ 83,000
Morrow, Ohio 9 $ 2,615,000 $ 290,555 $ 100,000
Paulding, Ohio 9 $ 1,025,000 $ 113,888 $ 86,000
Fulton, Georgia 8 $ 2,350,000 $ 293,750 $ 117,000
Harris, Georgia 8 $ 3,040,000 $ 380,000 $ 161,000
Lawrence, Illinois 8 $ 950,000 $ 118,750 $ 63,000
Bullitt, Kentucky 8 $ 2,850,000 $ 356,250 $ 137,000
Van Buren, Michigan 8 $ 1,380,000 $ 172,500 $ 81,000
Coshocton, Ohio 8 $ 1,170,000 $ 146,250 $ 95,000
Anderson, Kentucky 7 $ 1,815,000 $ 259,285 $ 101,000
Franklin, Kentucky 7 $ 1,905,000 $ 272,142 $ 104,000
Hardin, Kentucky 7 $ 1,525,000 $ 217,857 $ 77,000
Madison, Kentucky 7 $ 1,885,000 $ 269,285 $ 105,000
Ashland, Ohio 7 $ 1,505,000 $ 215,000 $ 73,000
Mahoning, Ohio 7 $ 1,005,000 $ 143,571 $ 57,000
Preble, Ohio 7 $ 1,515,000 $ 216,428 $ 102,000
Cook, Illinois 6 $ 2,190,000 $ 365,000 $ 156,000
Grayson, Kentucky 6 $ 1,370,000 $ 228,333 $ 112,000
Oldham, Kentucky 6 $ 1,680,000 $ 280,000 $ 111,000
Allegan, Michigan 6 $ 2,080,000 $ 346,666 $ 210,000
Montmorency, Michigan 6 $ 710,000 $ 118,333 $ 85,000
Buncombe, North Carolina 6 $ 1,860,000 $ 310,000 $ 146,000
Van Wert, Ohio 6 $ 1,240,000 $ 206,666 $ 100,000
Williams, Ohio 6 $ 1,160,000 $ 193,333 $ 80,000
Marion, Florida 5 $ 1,095,000 $ 219,000 $ 77,000
Kane, Illinois 5 $ 1,585,000 $ 317,000 $ 162,000
Will, Illinois 5 $ 1,355,000 $ 271,000 $ 121,000
Vanderburgh, Indiana 5 $ 925,000 $ 185,000 $ 102,000
Campbell, Kentucky 5 $ 1,485,000 $ 297,000 $ 131,000
Clark, Kentucky 5 $ 1,335,000 $ 267,000 $ 78,000
Laurel, Kentucky 5 $ 905,000 $ 181,000 $ 77,000
Nelson, Kentucky 5 $ 855,000 $ 171,000 $ 55,000
Eaton, Michigan 5 $ 765,000 $ 153,000 $ 49,000
Clark, Ohio 5 $ 835,000 $ 167,000 $ 66,000
Clinton, Ohio 5 $ 1,025,000 $ 205,000 $ 86,000
Crawford, Ohio 5 $ 835,000 $ 167,000 $ 77,000
Fulton, Ohio 5 $ 935,000 $ 187,000 $ 76,000
Gallia, Ohio 5 $ 925,000 $ 185,000 $ 101,000
Miami, Ohio 5 $ 1,275,000 $ 255,000 $ 84,000
Westmoreland, Pennsylvania 5 $ 895,000 $ 179,000 $ 85,000
Lexington, South Carolina 5 $ 1,685,000 $ 337,000 $ 268,000
Mobile, Alabama 4 $ 960,000 $ 240,000 $ 101,000
Brevard, Florida 4 $ 1,380,000 $ 345,000 $ 613,000
Pasco, Florida 4 $ 540,000 $ 135,000 $ 83,000
Sarasota, Florida 4 $ 1,900,000 $ 475,000 $ 124,000
Coles, Illinois 4 $ 360,000 $ 90,000 $ 63,000
Martin, Indiana 4 $ 680,000 $ 170,000 $ 85,000
Rush, Indiana 4 $ 520,000 $ 130,000 $ 71,000
Warren, Indiana 4 $ 750,000 $ 187,500 $ 132,000
Johnson, Kansas 4 $ 1,590,000 $ 397,500 $ 136,000
Sedgwick, Kansas 4 $ 900,000 $ 225,000 $ 56,000
Garrard, Kentucky 4 $ 990,000 $ 247,500 $ 79,000
Hopkins, Kentucky 4 $ 810,000 $ 202,500 $ 92,000
Powell, Kentucky 4 $ 1,020,000 $ 255,000 $ 106,000
St. Clair, Michigan 4 $ 850,000 $ 212,500 $ 96,000
Guilford, North Carolina 4 $ 520,000 $ 130,000 $ 45,000
Hardin, Ohio 4 $ 990,000 $ 247,500 $ 98,000
Highland, Ohio 4 $ 920,000 $ 230,000 $ 80,000
Ottawa, Ohio 4 $ 780,000 $ 195,000 $ 159,000
Tipton, Tennessee 4 $ 560,000 $ 140,000 $ 75,000
Bexar, Texas 4 $ 1,340,000 $ 335,000 $ 132,000
Milwaukee, Wisconsin 4 $ 760,000 $ 190,000 $ 108,000
Charlotte, Florida 3 $ 575,000 $ 191,666 $ 82,000
Duval, Florida 3 $ 525,000 $ 175,000 $ 90,000
Escambia, Florida 3 $ 805,000 $ 268,333 $ 98,000
Orange, Florida 3 $ 1,555,000 $ 518,333 $ 877,000
Pinellas, Florida 3 $ 1,275,000 $ 425,000 $ 180,000
Gwinnett, Georgia 3 $ 1,945,000 $ 648,333 $ 136,000
Crawford, Indiana 3 $ 565,000 $ 188,333 $ 102,000
Fayette, Indiana 3 $ 465,000 $ 155,000 $ 70,000
Boyd, Kentucky 3 $ 555,000 $ 185,000 $ 84,000
Daviess, Kentucky 3 $ 445,000 $ 148,333 $ 50,000
Henry, Kentucky 3 $ 405,000 $ 135,000 $ 93,000
McCracken, Kentucky 3 $ 325,000 $ 108,333 $ 117,000
Mercer, Kentucky 3 $ 745,000 $ 248,333 $ 79,000
Montgomery, Kentucky 3 $ 505,000 $ 168,333 $ 114,000
Pulaski, Kentucky 3 $ 515,000 $ 171,666 $ 76,000
Alcona, Michigan 3 $ 415,000 $ 138,333 $ 80,000
Madison, North Carolina 3 $ 1,075,000 $ 358,333 $ 146,000
Allen, Ohio 3 $ 375,000 $ 125,000 $ 50,000
Athens, Ohio 3 $ 745,000 $ 248,333 $ 110,000
Brown, Ohio 3 $ 815,000 $ 271,666 $ 92,000
Champaign, Ohio 3 $ 1,055,000 $ 351,666 $ 120,000
Guernsey, Ohio 3 $ 425,000 $ 141,666 $ 48,000
Hancock, Ohio 3 $ 665,000 $ 221,666 $ 91,000
Hocking, Ohio 3 $ 615,000 $ 205,000 $ 78,000
Noble, Ohio 3 $ 335,000 $ 111,666 $ 83,000
Richland, Ohio 3 $ 425,000 $ 141,666 $ 98,000
Tuscarawas, Ohio 3 $ 815,000 $ 271,666 $ 104,000
Horry, South Carolina 3 $ 585,000 $ 195,000 $ 71,000
Richland, South Carolina 3 $ 615,000 $ 205,000 $ 245,000
Davidson, Tennessee 3 $ 995,000 $ 331,666 $ 87,000
Jefferson, Alabama 2 $ 200,000 $ 100,000 $ 45,000
Talladega, Alabama 2 $ 470,000 $ 235,000 $ 150,000
Weld, Colorado 2 $ 1,360,000 $ 680,000 $ 218,000
Broward, Florida 2 $ 520,000 $ 260,000 $ 191,000
Citrus, Florida 2 $ 300,000 $ 150,000 $ 57,000
Hernando, Florida 2 $ 330,000 $ 165,000 $ 67,000
Martin, Florida 2 $ 850,000 $ 425,000 $ 104,000
Palm Beach, Florida 2 $ 560,000 $ 280,000 $ 70,000
Sumter, Florida 2 $ 660,000 $ 330,000 $ 213,000
Chattahoochee, Georgia 2 $ 400,000 $ 200,000 $ 73,000
DeKalb, Georgia 2 $ 530,000 $ 265,000 $ 68,000
Douglas, Georgia 2 $ 460,000 $ 230,000 $ 64,000
Stephens, Georgia 2 $ 620,000 $ 310,000 $ 105,000
Peoria, Illinois 2 $ 500,000 $ 250,000 $ 173,000
Dearborn, Indiana 2 $ 750,000 $ 375,000 $ 141,000
Franklin, Indiana 2 $ 560,000 $ 280,000 $ 105,000
Pike, Indiana 2 $ 400,000 $ 200,000 $ 142,000
Union, Indiana 2 $ 400,000 $ 200,000 $ 83,000
Clay, Kentucky 2 $ 670,000 $ 335,000 $ 500,000
Edmonson, Kentucky 2 $ 370,000 $ 185,000 $ 66,000
Estill, Kentucky 2 $ 440,000 $ 220,000 $ 74,000
Fleming, Kentucky 2 $ 330,000 $ 165,000 $ 72,000
Meade, Kentucky 2 $ 570,000 $ 285,000 $ 104,000
Metcalfe, Kentucky 2 $ 220,000 $ 110,000 $ 69,000
Muhlenberg, Kentucky 2 $ 250,000 $ 125,000 $ 72,000
Ohio, Kentucky 2 $ 330,000 $ 165,000 $ 65,000
Rowan, Kentucky 2 $ 280,000 $ 140,000 $ 82,000
Warren, Kentucky 2 $ 420,000 $ 210,000 $ 60,000
Whitley, Kentucky 2 $ 290,000 $ 145,000 $ 44,000
Ionia, Michigan 2 $ 440,000 $ 220,000 $ 75,000
Oceana, Michigan 2 $ 630,000 $ 315,000 $ 125,000
Otsego, Michigan 2 $ 300,000 $ 150,000 $ 85,000
Saginaw, Michigan 2 $ 230,000 $ 115,000 $ 69,000
Jackson, Missouri 2 $ 290,000 $ 145,000 $ 44,000
St. Louis, Missouri 2 $ 190,000 $ 95,000 $ 43,000
Brunswick, North Carolina 2 $ 510,000 $ 255,000 $ 65,000
Wake, North Carolina 2 $ 720,000 $ 360,000 $ 188,000
Carroll, Ohio 2 $ 260,000 $ 130,000 $ 68,000
Huron, Ohio 2 $ 410,000 $ 205,000 $ 86,000
Jackson, Ohio 2 $ 250,000 $ 125,000 $ 59,000
Meigs, Ohio 2 $ 310,000 $ 155,000 $ 62,000
Pike, Ohio 2 $ 480,000 $ 240,000 $ 132,000
Sandusky, Ohio 2 $ 320,000 $ 160,000 $ 51,000
Lincoln, Oklahoma 2 $ 420,000 $ 210,000 $ 113,000
Oklahoma, Oklahoma 2 $ 460,000 $ 230,000 $ 51,000
Allegheny, Pennsylvania 2 $ 290,000 $ 145,000 $ 63,000
Berks, Pennsylvania 2 $ 210,000 $ 105,000 $ 39,000
Bradford, Pennsylvania 2 $ 470,000 $ 235,000 $ 122,000
Montgomery, Pennsylvania 2 $ 900,000 $ 450,000 $ 135,000
Washington, Pennsylvania 2 $ 570,000 $ 285,000 $ 104,000
Aiken, South Carolina 2 $ 370,000 $ 185,000 $ 57,000
Pickens, South Carolina 2 $ 390,000 $ 195,000 $ 54,000
Rutherford, Tennessee 2 $ 1,790,000 $ 895,000 $ 407,000
Collin, Texas 2 $ 920,000 $ 460,000 $ 178,000
Chesterfield, Virginia 2 $ 530,000 $ 265,000 $ 83,000
Spotsylvania, Virginia 2 $ 190,000 $ 95,000 $ 71,000
Virginia Beach, Virginia 2 $ 310,000 $ 155,000 $ 51,000
Mason, West Virginia 2 $ 370,000 $ 185,000 $ 115,000
Brown, Wisconsin 2 $ 400,000 $ 200,000 $ 53,000
Dane, Wisconsin 2 $ 370,000 $ 185,000 $ 40,000
Oneida, Wisconsin 2 $ 470,000 $ 235,000 $ 61,000
Autauga, Alabama 1 $ 105,000 $ 105,000 $ 67,000
Chambers, Alabama 1 $ 155,000 $ 155,000 $ 46,000
Chilton, Alabama 1 $ 75,000 $ 75,000 $ 154,000
Cullman, Alabama 1 $ 385,000 $ 385,000 $ 246,000
Franklin, Alabama 1 $ 205,000 $ 205,000 $ 73,000
Montgomery, Alabama 1 $ 285,000 $ 285,000 $ 87,000
Shelby, Alabama 1 $ 215,000 $ 215,000 $ 78,000
Pinal, Arizona 1 $ 355,000 $ 355,000 $ 138,000
Garland, Arkansas 1 $ 135,000 $ 135,000 $ 48,000
Jefferson, Arkansas 1 $ 65,000 $ 65,000 $ 32,000
Lincoln, Arkansas 1 $ 105,000 $ 105,000 $ 13,000
Miller, Arkansas 1 $ 95,000 $ 95,000 $ 73,000
Washington, Arkansas 1 $ 295,000 $ 295,000 $ 0
Chaffee, Colorado 1 $ 515,000 $ 515,000 $ 0
Denver, Colorado 1 $ 585,000 $ 585,000 $ 230,000
Douglas, Colorado 1 $ 725,000 $ 725,000 $ 210,000
Bay, Florida 1 $ 455,000 $ 455,000 $ 193,000
Clay, Florida 1 $ 85,000 $ 85,000 $ 25,000
Collier, Florida 1 $ 325,000 $ 325,000 $ 111,000
Hendry, Florida 1 $ 95,000 $ 95,000 $ 27,000
Hillsborough, Florida 1 $ 395,000 $ 395,000 $ 306,000
Indian River, Florida 1 $ 215,000 $ 215,000 $ 130,000
Lake, Florida 1 $ 215,000 $ 215,000 $ 108,000
Liberty, Florida 1 $ 115,000 $ 115,000 $ 56,000
Miami-Dade, Florida 1 $ 195,000 $ 195,000 $ 76,000
Monroe, Florida 1 $ 655,000 $ 655,000 $ 140,000
Osceola, Florida 1 $ 175,000 $ 175,000 $ 30,000
Polk, Florida 1 $ 425,000 $ 425,000 $ 153,000
St. Johns, Florida 1 $ 115,000 $ 115,000 $ 30,000
St. Lucie, Florida 1 $ 395,000 $ 395,000 $ 102,000
Taylor, Florida 1 $ 155,000 $ 155,000 $ 80,000
Volusia, Florida 1 $ 155,000 $ 155,000 $ 59,000
Walton, Florida 1 $ 395,000 $ 395,000 $ 132,000
Bibb, Georgia 1 $ 85,000 $ 85,000 $ 52,000
Catoosa, Georgia 1 $ 245,000 $ 245,000 $ 55,000
Clay, Georgia 1 $ 275,000 $ 275,000 $ 300,000
Cobb, Georgia 1 $ 445,000 $ 445,000 $ 137,000
Coweta, Georgia 1 $ 385,000 $ 385,000 $ 111,000
Floyd, Georgia 1 $ 245,000 $ 245,000 $ 63,000
Forsyth, Georgia 1 $ 505,000 $ 505,000 $ 129,000
Franklin, Georgia 1 $ 85,000 $ 85,000 $ 18,000
Jackson, Georgia 1 $ 225,000 $ 225,000 $ 146,000
Lowndes, Georgia 1 $ 315,000 $ 315,000 $ 164,000
Paulding, Georgia 1 $ 235,000 $ 235,000 $ 153,000
Peach, Georgia 1 $ 195,000 $ 195,000 $ 0
Rockdale, Georgia 1 $ 185,000 $ 185,000 $ 83,000
Stewart, Georgia 1 $ 175,000 $ 175,000 $ 79,000
Thomas, Georgia 1 $ 305,000 $ 305,000 $ 128,000
Union, Georgia 1 $ 125,000 $ 125,000 $ 17,000
DeKalb, Illinois 1 $ 165,000 $ 165,000 $ 67,000
DuPage, Illinois 1 $ 415,000 $ 415,000 $ 150,000
Iroquois, Illinois 1 $ 85,000 $ 85,000 $ 29,000
Kankakee, Illinois 1 $ 165,000 $ 165,000 $ 45,000
Kendall, Illinois 1 $ 105,000 $ 105,000 $ 77,000
Knox, Illinois 1 $ 105,000 $ 105,000 $ 99,000
Marion, Illinois 1 $ 165,000 $ 165,000 $ 94,000
Massac, Illinois 1 $ 35,000 $ 35,000 $ 108,000
McHenry, Illinois 1 $ 205,000 $ 205,000 $ 79,000
Pope, Illinois 1 $ 105,000 $ 105,000 $ 64,000
Wabash, Illinois 1 $ 95,000 $ 95,000 $ 53,000
Dubois, Indiana 1 $ 185,000 $ 185,000 $ 76,000
Warrick, Indiana 1 $ 195,000 $ 195,000 $ 92,000
Black Hawk, Iowa 1 $ 175,000 $ 175,000 $ 52,000
Carroll, Iowa 1 $ 225,000 $ 225,000 $ 58,000
Cass, Iowa 1 $ 95,000 $ 95,000 $ 62,000
Fremont, Iowa 1 $ 105,000 $ 105,000 $ 34,000
Sioux, Iowa 1 $ 85,000 $ 85,000 $ 85,000
Woodbury, Iowa 1 $ 115,000 $ 115,000 $ 29,000
Finney, Kansas 1 $ 85,000 $ 85,000 $ 79,000
Rush, Kansas 1 $ 85,000 $ 85,000 $ 47,000
Adair, Kentucky 1 $ 185,000 $ 185,000 $ 69,000
Barren, Kentucky 1 $ 195,000 $ 195,000 $ 46,000
Bourbon, Kentucky 1 $ 245,000 $ 245,000 $ 68,000
Bracken, Kentucky 1 $ 165,000 $ 165,000 $ 130,000
Butler, Kentucky 1 $ 165,000 $ 165,000 $ 50,000
Caldwell, Kentucky 1 $ 115,000 $ 115,000 $ 46,000
Carter, Kentucky 1 $ 115,000 $ 115,000 $ 78,000
Cumberland, Kentucky 1 $ 95,000 $ 95,000 $ 62,000
Grant, Kentucky 1 $ 205,000 $ 205,000 $ 72,000
Hancock, Kentucky 1 $ 155,000 $ 155,000 $ 62,000
Hart, Kentucky 1 $ 145,000 $ 145,000 $ 46,000
Knott, Kentucky 1 $ 105,000 $ 105,000 $ 80,000
Knox, Kentucky 1 $ 55,000 $ 55,000 $ 35,000
Lawrence, Kentucky 1 $ 45,000 $ 45,000 $ 51,000
Lincoln, Kentucky 1 $ 175,000 $ 175,000 $ 50,000
Logan, Kentucky 1 $ 165,000 $ 165,000 $ 50,000
Rockcastle, Kentucky 1 $ 205,000 $ 205,000 $ 46,000
Russell, Kentucky 1 $ 145,000 $ 145,000 $ 74,000
Simpson, Kentucky 1 $ 255,000 $ 255,000 $ 73,000
Spencer, Kentucky 1 $ 295,000 $ 295,000 $ 114,000
Taylor, Kentucky 1 $ 225,000 $ 225,000 $ 0
Union, Kentucky 1 $ 85,000 $ 85,000 $ 31,000
Webster, Kentucky 1 $ 115,000 $ 115,000 $ 34,000
Wolfe, Kentucky 1 $ 185,000 $ 185,000 $ 77,000
Woodford, Kentucky 1 $ 205,000 $ 205,000 $ 88,000
East Baton Rouge, Louisiana 1 $ 175,000 $ 175,000 $ 178,000
Franklin, Maine 1 $ 155,000 $ 155,000 $ 50,000
Somerset, Maine 1 $ 95,000 $ 95,000 $ 16,000
Washington, Maine 1 $ 195,000 $ 195,000 $ 108,000
Cheboygan, Michigan 1 $ 275,000 $ 275,000 $ 74,000
Huron, Michigan 1 $ 115,000 $ 115,000 $ 26,000
Iosco, Michigan 1 $ 115,000 $ 115,000 $ 75,000
Lapeer, Michigan 1 $ 395,000 $ 395,000 $ 220,000
Mackinac, Michigan 1 $ 85,000 $ 85,000 $ 85,000
Mecosta, Michigan 1 $ 105,000 $ 105,000 $ 0
Midland, Michigan 1 $ 175,000 $ 175,000 $ 65,000
Montcalm, Michigan 1 $ 325,000 $ 325,000 $ 139,000
Newaygo, Michigan 1 $ 665,000 $ 665,000 $ 551,000
Roscommon, Michigan 1 $ 135,000 $ 135,000 $ 58,000
Ramsey, Minnesota 1 $ 305,000 $ 305,000 $ 0
Wright, Minnesota 1 $ 385,000 $ 385,000 $ 186,000
Greene, Missouri 1 $ 185,000 $ 185,000 $ 48,000
Monroe, Missouri 1 $ 105,000 $ 105,000 $ 89,000
Scott, Missouri 1 $ 135,000 $ 135,000 $ 24,000
St. Louis City, Missouri 1 $ 105,000 $ 105,000 $ 287,000
Taney, Missouri 1 $ 525,000 $ 525,000 $ 118,000
Webster, Missouri 1 $ 165,000 $ 165,000 $ 60,000
Caldwell, North Carolina 1 $ 55,000 $ 55,000 $ 29,000
Catawba, North Carolina 1 $ 315,000 $ 315,000 $ 172,000
Durham, North Carolina 1 $ 445,000 $ 445,000 $ 239,000
Edgecombe, North Carolina 1 $ 75,000 $ 75,000 $ 35,000
Haywood, North Carolina 1 $ 235,000 $ 235,000 $ 79,000
Henderson, North Carolina 1 $ 225,000 $ 225,000 $ 48,000
Iredell, North Carolina 1 $ 195,000 $ 195,000 $ 60,000
McDowell, North Carolina 1 $ 245,000 $ 245,000 $ 67,000
Mecklenburg, North Carolina 1 $ 285,000 $ 285,000 $ 79,000
Mitchell, North Carolina 1 $ 285,000 $ 285,000 $ 94,000
New Hanover, North Carolina 1 $ 245,000 $ 245,000 $ 120,000
Onslow, North Carolina 1 $ 105,000 $ 105,000 $ 57,000
Pasquotank, North Carolina 1 $ 115,000 $ 115,000 $ 35,000
Person, North Carolina 1 $ 305,000 $ 305,000 $ 131,000
Pitt, North Carolina 1 $ 325,000 $ 325,000 $ 149,000
Robeson, North Carolina 1 $ 85,000 $ 85,000 $ 60,000
Rowan, North Carolina 1 $ 195,000 $ 195,000 $ 51,000
Scotland, North Carolina 1 $ 105,000 $ 105,000 $ 20,000
Stanly, North Carolina 1 $ 275,000 $ 275,000 $ 100,000
Surry, North Carolina 1 $ 215,000 $ 215,000 $ 84,000
Union, North Carolina 1 $ 305,000 $ 305,000 $ 102,000
Wilson, North Carolina 1 $ 245,000 $ 245,000 $ 70,000
Adams, Ohio 1 $ 125,000 $ 125,000 $ 39,000
Auglaize, Ohio 1 $ 445,000 $ 445,000 $ 180,000
Belmont, Ohio 1 $ 185,000 $ 185,000 $ 130,000
Henry, Ohio 1 $ 245,000 $ 245,000 $ 169,000
Lawrence, Ohio 1 $ 265,000 $ 265,000 $ 108,000
Logan, Ohio 1 $ 265,000 $ 265,000 $ 78,000
Perry, Ohio 1 $ 155,000 $ 155,000 $ 84,000
Seneca, Ohio 1 $ 75,000 $ 75,000 $ 28,000
Vinton, Ohio 1 $ 95,000 $ 95,000 $ 80,000
Canadian, Oklahoma 1 $ 145,000 $ 145,000 $ 50,000
Cotton, Oklahoma 1 $ 135,000 $ 135,000 $ 64,000
Wagoner, Oklahoma 1 $ 125,000 $ 125,000 $ 34,000
Bucks, Pennsylvania 1 $ 95,000 $ 95,000 $ 44,000
Clearfield, Pennsylvania 1 $ 255,000 $ 255,000 $ 78,000
Franklin, Pennsylvania 1 $ 55,000 $ 55,000 $ 29,000
Indiana, Pennsylvania 1 $ 315,000 $ 315,000 $ 0
Philadelphia, Pennsylvania 1 $ 65,000 $ 65,000 $ 13,000
Warren, Pennsylvania 1 $ 65,000 $ 65,000 $ 34,000
Anderson, South Carolina 1 $ 125,000 $ 125,000 $ 84,000
Berkeley, South Carolina 1 $ 55,000 $ 55,000 $ 73,000
Georgetown, South Carolina 1 $ 335,000 $ 335,000 $ 156,000
Kershaw, South Carolina 1 $ 285,000 $ 285,000 $ 98,000
McCormick, South Carolina 1 $ 55,000 $ 55,000 $ 16,000
Spartanburg, South Carolina 1 $ 185,000 $ 185,000 $ 55,000
York, South Carolina 1 $ 85,000 $ 85,000 $ 28,000
Blount, Tennessee 1 $ 355,000 $ 355,000 $ 93,000
Campbell, Tennessee 1 $ 125,000 $ 125,000 $ 85,000
Hamilton, Tennessee 1 $ 245,000 $ 245,000 $ 76,000
Hardin, Tennessee 1 $ 375,000 $ 375,000 $ 99,000
Knox, Tennessee 1 $ 225,000 $ 225,000 $ 130,000
Macon, Tennessee 1 $ 325,000 $ 325,000 $ 67,000
Shelby, Tennessee 1 $ 205,000 $ 205,000 $ 49,000
Smith, Tennessee 1 $ 245,000 $ 245,000 $ 91,000
Sullivan, Tennessee 1 $ 135,000 $ 135,000 $ 14,000
Sumner, Tennessee 1 $ 345,000 $ 345,000 $ 145,000
Dallas, Texas 1 $ 795,000 $ 795,000 $ 395,000
Ector, Texas 1 $ 345,000 $ 345,000 $ 127,000
Galveston, Texas 1 $ 375,000 $ 375,000 $ 237,000
Harris, Texas 1 $ 185,000 $ 185,000 $ 56,000
Tarrant, Texas 1 $ 385,000 $ 385,000 $ 145,000
Wise, Texas 1 $ 385,000 $ 385,000 $ 92,000
Caroline, Virginia 1 $ 115,000 $ 115,000 $ 46,000
Chesapeake, Virginia 1 $ 185,000 $ 185,000 $ 72,000
Fairfax, Virginia 1 $ 375,000 $ 375,000 $ 74,000
Hanover, Virginia 1 $ 345,000 $ 345,000 $ 163,000
King William, Virginia 1 $ 65,000 $ 65,000 $ 22,000
Northumberland, Virginia 1 $ 195,000 $ 195,000 $ 69,000
Nottoway, Virginia 1 $ 245,000 $ 245,000 $ 48,000
Pittsylvania, Virginia 1 $ 295,000 $ 295,000 $ 194,000
Prince William, Virginia 1 $ 315,000 $ 315,000 $ 101,000
Richmond City, Virginia 1 $ 95,000 $ 95,000 $ 175,000
Roanoke, Virginia 1 $ 195,000 $ 195,000 $ 66,000
Washington, Virginia 1 $ 115,000 $ 115,000 $ 38,000
Green Lake, Wisconsin 1 $ 245,000 $ 245,000 $ 104,000
Manitowoc, Wisconsin 1 $ 125,000 $ 125,000 $ 81,000
Marquette, Wisconsin 1 $ 105,000 $ 105,000 $ 46,000
Oconto, Wisconsin 1 $ 75,000 $ 75,000 $ 36,000
Sauk, Wisconsin 1 $ 185,000 $ 185,000 $ 37,000

Mortgage Loan Application Detail Totals for Ruoff Mortgage Company in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 11,370 $2,529,150,000 $222,000 $1,675,000 $101,000 $6,388,000
Cash-out Refinancing 1,128 $220,340,000 $195,000 $3,255,000 $91,000 $867,000
Refinancing 816 $210,620,000 $258,000 $3,005,000 $113,000 $2,500,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 10,866 $2,425,570,000 $223,000 $3,255,000 $101,000 $3,596,000
Hispanic 824 $159,380,000 $193,000 $665,000 $84,000 $661,000
Not Provided 695 $165,575,000 $238,000 $1,285,000 $108,000 $1,094,000
Black or African American 646 $135,450,000 $209,000 $1,445,000 $99,000 $6,388,000
Asian 237 $64,765,000 $273,000 $805,000 $135,000 $1,048,000
American Indian or Alaskan Native 38 $7,620,000 $200,000 $535,000 $84,000 $225,000
Native Hawaiian or Other Pacific Islander 8 $1,750,000 $218,000 $325,000 $64,000 $94,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 8,905 $1,991,885,000 $223,000 $3,255,000 $110,000 $6,388,000
FHA-insured (Federal Housing Administration) 3,439 $722,705,000 $210,000 $3,005,000 $80,000 $549,000
VA-guaranteed (Veterans Administration) 660 $191,310,000 $289,000 $915,000 $105,000 $530,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 310 $54,210,000 $174,000 $365,000 $67,000 $129,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 9,934 $2,226,510,000 $224,000 $1,675,000 $102,000 $6,388,000
Application Withdrawn By Applicant 1,351 $305,685,000 $226,000 $3,255,000 $108,000 $2,500,000
Application Approved But Not Accepted 1,227 $263,845,000 $215,000 $1,275,000 $98,000 $711,000
Application Denied By Financial Institution 616 $127,000,000 $206,000 $1,405,000 $79,000 $796,000
Preapproval Denied by Financial Institution 102 $19,720,000 $193,000 $1,285,000 $61,000 $225,000
Preapproval Approved but not Accepted 55 $10,695,000 $194,000 $435,000 $73,000 $354,000
File Closed For Incompleteness 29 $6,655,000 $229,000 $755,000 $101,000 $474,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 12,596 $2,813,390,000 $223,000 $3,255,000 $102,000 $6,388,000
Debt-To-Income Ratio 243 $51,575,000 $212,000 $1,285,000 $59,000 $254,000
Credit History 168 $31,220,000 $185,000 $1,405,000 $78,000 $455,000
Collateral 160 $34,510,000 $215,000 $1,305,000 $102,000 $796,000
Employment History 63 $12,625,000 $200,000 $405,000 $64,000 $372,000
Unverifiable Information 30 $5,570,000 $185,000 $435,000 $67,000 $144,000
Other 26 $4,810,000 $185,000 $385,000 $94,000 $209,000
Insufficient Cash (Downpayment, Closing Cost) 25 $5,515,000 $220,000 $725,000 $86,000 $178,000
Credit Application Incomplete 3 $895,000 $298,000 $575,000 $94,000 $175,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Ruoff Mortgage Company's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Ruoff Mortgage Company's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Indiana, download the full spreadsheet with aggregated HMDA statistics today.

Download the Indiana Lender List